Independent wealth advisers · Fee-only · Fiduciary

Your money, explained without the jargon.

We are a fee-only firm, which means we are paid by you and no one else — no commissions, no products of our own, no quiet incentives. Just advice we would follow ourselves.

$1.4B

Advised assets

310

Households

Commissions taken

22 yrs

Average tenure

We do our best work for people at a turning point.

Approaching retirementAges 55–68

Turning a lifetime of saving into an income you will not outlive, with a plan for the years the market has a bad decade.

Founders after an exitPost-liquidity

A sudden, taxable, life-changing sum. We slow the decisions down and build the structure before you spend a dollar of it.

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Inheriting a portfolioExecutors & heirs

Untangling what you have been left, understanding the tax, and deciding what to keep, sell, or simplify — without pressure.

Established familiesMulti-generation

Coordinating investments, gifting, and estate plans across two or three generations who do not always agree.

What we charge, in full.

One page, no footnotes

Assets under advice	Annual fee on that band	Illustrative $2M
First $1,000,000	0.90%	$9,000
Next $2,000,000	0.65%	$6,500
Next $5,000,000	0.45%	—
Above $8,000,000	0.30%	—

Tiered and blended, billed quarterly in arrears. A $2,000,000 relationship pays $15,500 a year — an all-in 0.78%. There are no platform kickbacks, no fund-selection fees, and nothing we earn that you cannot see on your statement.

$3,500 flat

One-time financial plan, for those who want the map without ongoing management.

$400 / hour

Advice by the hour for a single question — a stock option, a house, a pension choice.

How working together goes

An honest first meeting

Ninety minutes, no charge, no sales. We look at what you have and tell you plainly whether we can help.

The plan on paper

Cash flow, tax, risk, and the trade-offs written in language you can hand to your family.

We put it to work

Low-cost, globally diversified, and rebalanced by rule — not by hunch or by headline.

We meet, twice a year

Formal reviews each spring and autumn, and a direct line to your adviser in between. Same person, every time.

“We only make money one way: the fee you can see. If a product pays us, we do not sell it.”

Our fiduciary pledge, in writing, on day one.